Kaspersky is good (very good, actually...) but it is not the end-all be-all of AV programs. There are some trojans / rootkits that are very good at hiding themselves (Sony CD drm comes to mind). Vista install does not have a low level format utility. Your drive MFG should have a bootable utility that will do the job, but I am not sure how Dell's Vista disc will like that.
If your CPU is at 100%, and your system idle process is at 0%, you do have a process running that is hiding quite well. I'd make a call to Dell first, but I'd recommend a low level format.